Stephenville has 21,682 residents in 8,247 households. We list 6 agencies for umbrella insurance in Stephenville. Here is what the local numbers say about the cover people here need.

Stephenville at a glance

6umbrella insurance agencies listed
55.7%of households rentRenters insurance
$241,300median home valueHome insurance
1984median year homes were builtRebuild cost calculator
5.9%of households have no carAuto insurance
5.6%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Stephenville How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Questions

Umbrella insurance in Stephenville

All insurance agencies in Stephenville · Umbrella insurance across Texas

Where can I find umbrella insurance in Stephenville?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Do I need flood insurance in Stephenville?

FEMA's National Risk Index rates inland flooding risk in Erath County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Umbrella insurance near Stephenville

For insurance agencies

Is your Stephenville agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing